人身保险合同自杀条款研究

Study on Self-murder Exoneration Provisions in the Contract of Life Insurance

我国人身保险合同把自杀列为除外责任,但存在诸多争议,借鉴国外经验,对自杀的定性、自杀免责的时间限制、自杀免责条款的适用、举证责任的承担进行研究,以平衡被保险人、收益人与保险人之间的利益,促进寿险业的健康发展。

There are many problems in suicide exoneration provisions in our country on the contract of life insurance. We can make study on suicide implication, suicide exoneration time limit, and suicide exoneration provisions application, proof liability by taking foreign experiences for reference to balance the benefits among the insured, insurance beneficiary and insurance company, and to promote the sound development of life-insurance business.